¿Negociante, Empresario o Inversionista que quiere ser?


Es muy común dentro de los procesos de consultoría financiera que llevo con algunas  personas, que no sepan realmente que quieren o mejor dicho que no sepan que necesitan realmente a nivel financiero.

Un ejemplo de esto es cuando por alguna razón a alguien le llega algún dinero, que le gustaría poner a producir pero no sabe en que… y se enfrenta  a la decisión de ser   empresario, inversionista, o negociante, en la mayoría de los casos confundiendo  los términos o creyendo que todos son exactamente iguales, cosa que por demás también es un error.

Así que los invito a definir conmigo cada uno de estos roles dentro del contexto de la sociedad y la economía colombina, para ayudarles a identificar que es lo que realmente quieren hacer o en alguno caso que es lo mejor que pueden hacer con sus excedentes de dinero.

 

Negociante: Definámoslo como la persona que tiene un dinero en reserva, a la espera de una  oportunidad de prestarlo o de  comprar y  vender algo, que le permita tener una buena ganancia en corto tiempo, y con poco esfuerzo,  son  cazadores de  negocios rápidos o express.    

ü  Riesgo de la actividad:  Alto

ü  Recuperación  de la inversión: Corto plazo, puede ser de días máximo un par de meses.

ü  Ventajas:  Pueden  llegar a obtener ganancias mejores que las que ofrece el sector bancario, no tiene mayores exigencias de su  tiempo, ofrecen buenos niveles de liquidez.

ü  Desventajas:  Este tipo de transacciones generalmente se hace con personas conocidas, que muestran apetitosas utilidades con el menor esfuerzo,  generalmente no se hacen documentos que garanticen la seriedad del negocio, y en la mayoría de las ocasiones el poder de negociación se deja en manos  otros, que son quienes tienen el o los contactos, para sacar adelante la arriesgada empresa, vale la pena resaltar que estas personas son el principal nicho del que se nutren las pirámides y los estafadores.

 

Al final de uno o varios ejercicios y en el mejor de los  casos puede terminar gastándose la plata  en algún gusto o capricho, y acaba con la base o plante para  futuros negocios y pierde  la oportunidad de aumentar su capital o patrimonio para un logro mayor. O puede terminar con un carro que no quería, una casa, u otros bienes con averías que le exigirán mucho mas tiempo y dinero para arreglarlos y venderlos, el final también suele ser con el garaje de su casa lleno de mercancía que no sabe o no tiene el tiempo de ponerse a vender y termina rematando a cualquier precio con tal de recuperar algo del dinero invertido y no ver más desorden en su casa.

 

Empresario:   Es aquella persona que sin importar su edad  a creado y recreado  una idea clara de su futuro, y anhela convertir su conocimiento , su experiencia, su pasión,   en un proyecto económico que busca  satisfacer una necesidad de la gente a través de un producto o servicio,  y lo defino de esta manera por que el empresario  debe creer en su proyecto  y estar dispuesto a hacer de su empresa su vida.  

ü  Riesgo de la actividad:  Moderado - Alto

ü  Recuperación  de la inversión: Del mediano al largo plazo.

ü  Ventajas: Llegan a obtener ganancias mejores que las que ofrece el sector bancario, conocen el negocio y eso les permite manejar los riesgos, aumentando sus posibilidades de éxito, pueden consolidar ingresos permanentes que le permitirán hacer crecer   su capital y su patrimonio. Dedican su vida a lo que les apasiona.

ü  Desventajas:  En la mayoría de los casos requiere de una buena cantidad de dinero en la etapa inicial,  esta puede ser del patrimonio propio o mediante prestamos, por lo que necesitara  dedicación a tiempo total, y más aun durante el primer o los primeros años será algo así como un autoempleo.  

 

El riesgo aumenta considerablemente pudiendo tener consecuencia gravísimas sobre su capital y patrimonio, ante alguna de estas situaciones.

Su dedicación es de tiempo parcial  o lo concibe como una segunda fuente de ingresos,   no conoce del negocio,  no tiene la experiencia, no se ha preparado,  deja la administración o control en manos de terceros,  o no realizó un plan de negocio, un plan de mercadeo, ni hizo una estimación financiera.

 

Inversionista:   Es aquella persona que cuenta con algún dinero fruto de ahorros, ganancias ocasionales, utilidades de otros negocios,  excedentes de capital, etc.;  y desea utilizarlos para obtener nuevas ganancias o rendimientos, que le permitan hacer crecer su capital, su patrimonio, por que buscan alcanzar algunos objetivos personales  como pueden ser comprar una casa, pagar la universidad de los hijos, viajar,  montar una empresa,   tener una vejez tranquila  con un dinero extra para su retiro o pensión, o simplemente organizarse financieramente garantizando mantener una buena calidad de vida para su familia.

 

ü  Riesgo de la actividad:   Moderado - Alto (depende la elección del inversionista)

ü  Recuperación  de la inversión: De mediano o  largo plazo.

ü  Ventajas: Obtener ganancias mejores que las que ofrece el sector bancario, tiene autonomía total el inversionista decide el plazo o tiempo de sus inversiones y en que desea invertir,  define el nivel de riesgo  que esta dispuesto a aceptar,   no tiene grandes exigencias de tiempo ni dedicación constante, el dinero trabaja para él,  no él  para el dinero, brinda  independencia laboral e independencia económica.

ü  Desventajas: Este punto refleja mucho de la personalidad y de los  objetivos del inversionista, pues dependiendo de lo que este desee las características de cada inversión puede llegar a ser o no una desventaja. 

Ejemplo:

·         Si desea  ganancias por encima del promedio y en corto tiempo deberá asumir un Riesgo Alto es decir que pude perder dinero.

·         Si desea  un riesgo mínimo por que teme perder dinero  deberá asumir Bajas ganancias  es decir que gana poco dinero (ej. CDT, cuentas de ahorro, etc.)

·         Y si desea una combinación de las dos anteriores deberá asumir un Riesgo Moderado, es decir que  gana un poco más, pero con una posibilidad de perder no tan  alta.

·         Si invierte en activos fijos (ej. finca raíz, vehículos etc.), la liquidez  es poca, es decir que convertirlos en dinero en efectivo se lento.

·         Si invierte en títulos valores la liquidez es alta, es decir convertirlos en dinero  en efectivo es mas rápida.

 

En conclusión y para terminar usted decide, pero tenga en cuenta  sin importar lo que usted prefiera siempre asegúrese, de indagar e informarse acerca de lo que le ofrecen, quien lo ofrece, y como lo hace, desconfié de quien no le hable de los riesgos  de forma clara, pero si le ofrezca jugosas ganancias  y recuerde en los negocios siempre habrá riesgo.

 

Por ahora los invito a opinar y  pensar realmente que les gustaría ser, Negociante, Empresario o Inversionista

 

B. Vladimir Ilich Avila Morales

Business & Training

 

Asesores Financieros y de Crecimiento de Capital

Escribir comentario

Comentarios: 49
  • #1

    mauricio rios (jueves, 28 abril 2016 17:42)

    Es muy interesante lo que compartes y aleccionador

  • #2

    Clemencia Arroyo (jueves, 28 abril 2016 19:39)

    Util informacion gracias

  • #3

    jorge ochoa (sábado, 30 abril 2016 00:10)

    Gracias Vladimir por compartir tus conocimienntos muchas veces dejamos perder oportunidades x no saber el mejor camino de nuestras inverciones...

  • #4

    Maria G. Ruiz (1 mayo 2016. 23:22) (domingo, 01 mayo 2016 23:34)

    Presentación con un buen acompañamiento didáctico, aclara conceptos y permite saber que cuenta con un medio seguro para resolver dudas, tiene lenguaje sencillo. Auguro un buen comienzo o mejor, un buen pilotaje para la compleja travecia de tan interesante, práctico y a tiempo Proyecto de Vida..

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  • #29

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  • #33

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  • #36

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  • #41

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  • #49

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